but i did want to bring up a couple of instances where i've had clients who were fighting in afghanistan at the same time they were fighting wells fargo on mainland because wells fargo refuse to accept their allotment pay, even though they were current. i've received e-mails from singapore from a gentleman with top-secret clearance who was current in his mortgage, and he was still being turned over to an attorney to proceed with mortgage foreclosure proceedings. this gentleman eventually was going to lose his home because he could not handle the stress of being on the job near singapore as well as having his home lost for his family and his children. this automatically as going to affect the morale of the military service, the military lending act does not at all protect our veterans, and it also does not protect other citizens who should be protected by these unregulated or under regulated aggressively marketed, high interest loan products. thank you. >> thank you, ms. drysdale. mr. pincus, you may proceed. >> thank you, mr. chairman and members of the committee. it is an honor to testi